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Abstract:

Systems and methods for identifying one or more customer behavioral
characteristics based on data received from one or more sources is
provided. The system and method include receiving customer data from a
first source which may include a current access parameter and a plurality
of previous access parameters. A pattern may be identified in the current
access parameter and previous access parameters. The system and method
may include receiving customer data from a second data source different
from the first data source. A second current access parameter and second
plurality of previous parameters may be received and a pattern may be
identified between the second current access parameter and the second
previous parameters. The identified patterns may be compiled to identify
one or more customer behavioral characteristics.

Claims:

1. An apparatus comprising: at least one processor; and memory
operatively coupled to the at least one processor and storing computer
readable instructions that, when executed, cause the apparatus to:
receive, by a customer service system, first customer data for a first
customer from a first source associated with a financial institution, the
first customer data including a first current access parameter of an
account of the first customer, the first current access parameter
associated with the first source; receive a first plurality of previous
access parameters of the account of the first customer; identify a first
pattern in the first current access parameter and the first plurality of
previous access parameters for the first customer data from the first
source; receive, by the customer service system, second customer data for
the first customer from a second source different from the first source,
the second customer data including a second current access parameter of
the account of the first customer, the second current access parameter
associated with the second source, wherein the second source is
associated with the financial institution and is located remotely from
the first source; receive a second plurality of previous access
parameters of the account of the first customer; identify a second
pattern in the second current access parameter and the second plurality
of previous access parameters for the second customer data from the
second source; compile the identified first pattern and the identified
second pattern; and identify a customer behavior characteristic based on
the compiled identified first pattern and identified second pattern.

2. The apparatus of claim 1, further including instructions that, when
executed, cause the apparatus to: receive, by the customer service
system, third customer data for the first customer from a third source
different from the first source and the second source, the third customer
data including a third current access parameter of the first customer,
the third current access parameter associated with the third source
wherein the third source is not associated with the financial institution
and is located remotely from the first source and the second source;
receive a third plurality of previous access parameters of the first
customer; identify a third pattern in the third current access parameter
and the third plurality of previous access parameters for the third
customer data from the third source; compile the identified third pattern
with the compiled identified first pattern and the identified second
pattern; and identify a customer behavior characteristic based on the
compiled identified first pattern, identified second pattern, and
identified third pattern.

3. The apparatus of claim 2, wherein the third source includes data
associated with the customer and not associated with an account of the
customer with the financial institution.

4. The apparatus of claim 1, wherein the first plurality of previous
access parameters and the second plurality of previous access parameters
include historical information identifying a time of access to the
account and a place of access to the account.

5. The apparatus of claim 4, wherein the historical information includes
a predefined number of previous transactions.

6. The apparatus of claim 4, wherein the historical information includes
previous transactions from a predefined time period.

7. The apparatus of claim 1, wherein the first source includes customer
data from at least one of: ATM transactions, on-line banking
transactions, mobile banking transactions, and in-person banking
transactions, wherein the customer behavior characteristic is an action
that the first customer consistently performs or consistently declines to
perform.

9. A computer-implemented method of identifying one or more customer
behavioral characteristics with a customer service system having a
processor and a memory, the method comprising: receiving in a computer
memory, by a customer service system, first customer data for a first
customer from a first source associated with a financial institution, the
first customer data including a first current access parameter of an
account of the first customer, the first current access parameter
associated with the first source; receiving in the computer memory a
first plurality of previous access parameters of the account of the first
customer; identifying, using a computer processor, a first pattern in the
first current access parameter and the first plurality of previous access
parameters for the first customer data from the first source; receiving
in the computer memory, by the customer service system, second customer
data for the first customer from a second source different from the first
source, the second customer data including a second current access
parameter of the account of the first customer, the second current access
parameter associated with the second source, wherein the second source is
associated with the financial institution and is located remotely from
the first source; receiving in the computer memory a second plurality of
previous access parameters of the account of the first customer;
identifying, using the computer processor, a second pattern in the second
current access parameter and the second plurality of previous access
parameters for the second customer data from the second source;
compiling, using the computer processor, the identified first pattern and
the identified second pattern; and identifying, using the computer
processor, a customer behavior characteristic based on the compiled
identified first pattern and identified second pattern.

10. The method of claim 9, further including: receiving in the computer
memory, by the customer service system, third customer data for the first
customer from a third source different from the first source and the
second source, the third customer data including a third current access
parameter of the first customer, the third current access parameter
associated with the third source, wherein the third source is not
associated with the financial institution and is located remotely from
the first source and the second source; receiving in the computer memory
a third plurality of previous access parameters of the first customer;
identifying, using the computer processor, a third pattern in the third
current access parameter and the third plurality of previous access
parameters for the third customer data from the third source; compiling,
using the computer processor, the identified third pattern with the
compiled identified first pattern and the identified second pattern; and
identifying, using the computer processor, a customer behavior
characteristic based on the compiled identified first pattern, identified
second pattern, and identified third pattern.

11. The method of claim 10, wherein the third source includes data
associated with the customer and not associated with an account of the
customer with the financial institution.

12. The method of claim 9, wherein the first plurality of previous access
parameters and the second plurality of previous access parameters include
historical information.

13. The method of claim 12, wherein the historical information includes a
predefined number of previous transactions.

14. The method of claim 12, wherein the historical information includes
previous transactions from a predefined time period.

15. The method of claim 9, wherein the first source includes customer
data from at least one of: ATM transactions, on-line banking
transactions, mobile banking transactions, and in-person banking
transactions.

17. One or more non-transitory computer-readable media storing
computer-readable instructions that, when executed by at least one
computer, cause the at least one computer to: receive, by a customer
service system, first customer data for a first customer from a first
source associated with a financial institution, the first customer data
including a first current access parameter of an account of the first
customer, the first current access parameter associated with the first
source; receive a first plurality of previous access parameters of the
account of the first customer; identify a first pattern in the first
current access parameter and the first plurality of previous access
parameters for the first customer data from the first source; receive, by
the customer service system, second customer data for the first customer
from a second source different from the first source, the second customer
data including a second current access parameter of the account of the
first customer, the second current access parameter associated with the
second source, wherein the second source is associated with the financial
institution and is located remotely from the first source; receive a
second plurality of previous access parameters of the account of the
first customer; identify a second pattern in the second current access
parameter and the second plurality of previous access parameters for the
second customer data from the second source; compile the identified first
pattern and the identified second pattern; and identify a customer
behavior characteristic based on the compiled identified first pattern
and identified second pattern.

18. The one or more non-transitory computer-readable media of claim 17,
further including instructions that, when executed, cause the at least
one computer to: receive, by the customer service system, third customer
data for the first customer from a third source different from the first
source and the second source, the third customer data including a third
current access parameter of the first customer, the third current access
parameter associated with the third source, wherein the third source is
not associated with the financial institution and is located remotely
from the first source and the second source; receive a third plurality of
previous access parameters of the first customer; identify a third
pattern in the third current access parameter and the third plurality of
previous access parameters for the third customer data from the third
source; compile the identified third pattern with the compiled identified
first pattern and the identified second pattern; and identify a customer
behavior characteristic based on the compiled identified first pattern,
identified second pattern, and identified third pattern.

19. The one or more non-transitory computer-readable media of claim 18,
wherein the third source includes data associated with the customer and
not associated with an account of the customer with the financial
institution.

20. The one or more non-transitory computer-readable media of claim 17,
wherein the first plurality of previous access parameters and the second
plurality of previous access parameters include historical information.

21. The one or more non-transitory computer-readable media of claim 20,
wherein the historical information includes a predefined number of
previous transactions.

22. The one or more non-transitory computer-readable media of claim 20,
wherein the historical information includes previous transactions from a
predefined time period.

23. The one or more non-transitory computer-readable media of claim 17,
wherein the first source includes customer data from at least one of: ATM
transactions, on-line banking transactions, mobile banking transactions,
and in-person banking transactions.

24. The one or more non-transitory computer-readable media of claim 23,
wherein the second source includes customer data from another of: ATM
transactions, on-line banking transactions, mobile banking transactions,
and in-person banking transactions.

[0002] Customer satisfaction and maintaining customer loyalty or two
metrics that accompany may watch to ensure stability. In certain
industries, these two metrics help to ensure that a company continues to
grow. In general, a company is always looking to keep its customers happy
with respect to services and/or products that it provides.

[0003] For a financial entity, customers have many different companies
that they may utilize for their respective banking needs. Product
offerings for services and/or products by a financial entity may entice a
customer to utilize such a financial entity associated with a desired
product and/or service and/or may help maintain a customer currently with
such a financial entity offering such a product and/or service. Manners
for providing more options to a customer and/or keeping a customer happy
are consistently desired.

SUMMARY

[0004] In light of the foregoing background, the following presents a
simplified summary of the present disclosure in order to provide a basic
understanding of some aspects of the present disclosure. This summary is
not an extensive overview of the present disclosure. It is not intended
to identify key or critical elements of the present disclosure or to
delineate the scope of the present disclosure. The following summary
merely presents some concepts of the present disclosure in a simplified
form as a prelude to the more detailed description provided below.

[0005] Aspects of the present disclosure relate to a system and method for
identifying one or more customer behavioral characteristics based on data
received from one or more sources. In some examples, the system and
method include receiving customer data from a first source. The customer
data may include a current access parameter and a plurality of previous
access parameters. A pattern may be identified in the current access
parameter and previous access parameters. In some arrangements, customer
data may be received from a second data source different from the first
data source. A second current access parameter and second plurality of
previous parameters may be received. A pattern may be identified between
the second current access parameter and the second previous parameters.
The identified patterns may be compiled to identify one or more customer
behavioral characteristics.

[0006] Aspects of the present disclosure are directed to a method and
system for providing content to a user at an account accessing device. A
first user input may be received at a first account processing device. A
type of channel between the user and the account accessing device, a
temporal parameter associated with the first access, user used financial
entity services associated with at least one account of the user and
current allowable actions on the first account by the user may be
determined. A second user input may be received indicating an action, of
the current allowable actions, of the user at the first account accessing
device. Content for output to the user upon another occurrence of the
user accessing the first account accessing device may be determined. The
content may be based upon at least one behavioral characteristic of the
user and may be an offer for at least one user unused financial entity
service.

[0007] Aspects of the present disclosure may be provided in a
non-transitory computer-readable medium having computer-executable
instructions to perform one or more of the process steps described
herein.

[0008] These and other aspects of the embodiments are discussed in greater
detail throughout this disclosure, including the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

[0009] A more complete understanding of aspects of the present disclosure
and the advantages thereof may be acquired by referring to the following
description in consideration of the accompanying drawings, in which like
reference numbers indicate like features, and wherein:

[0010] FIG. 1 illustrates a schematic diagram of a general-purpose digital
computing environment in which certain aspects of the present disclosure
may be implemented;

[0011] FIG. 2 is an illustrative block diagram of workstations and servers
that may be used to implement the processes and functions of certain
embodiments of the present disclosure;

[0012] FIG. 3 shows a block diagram of a system for identifying and
utilizing customer behavioral characteristics in accordance with at least
one aspect of the present disclosure;

[0013] FIG. 4 shows a block diagram of a system for acquiring and
maintaining data with respect to customers from a plurality of different
sources in accordance with at least one aspect of the present disclosure;

[0014] FIGS. 5A and 5B are illustrative views of a user interface
determining and presenting content to a user in accordance with at least
one aspect of the present disclosure;

[0015] FIG. 6 shows a flow chart of an illustrative method for determining
content to present to a user in accordance with at least one aspect of
the present disclosure;

[0016] FIG. 7 is an example method of identifying a customer behavior
characteristic based on one or more identified patters in accordance with
at least one aspect of the present disclosure; and

[0017] FIG. 8 is an example user interface for identifying one or more
sources of data to use in identifying a customer behavior characteristic
in accordance with at least one aspect of the present disclosure.

DETAILED DESCRIPTION

[0018] In the following description of the various embodiments, reference
is made to the accompanying drawings, which form a part hereof, and in
which is shown by way of illustration, various embodiments in which the
disclosure may be practiced. It is to be understood that other
embodiments may be utilized and structural and functional modifications
may be made.

[0019] Various aspects described herein may be embodied as a method, a
data processing system, and/or a computer program product. Accordingly,
those aspects may take the form of an entirely hardware embodiment, an
entirely software embodiment and/or an embodiment combining software and
hardware aspects. Furthermore, such aspects may take the form of a
computer program product stored by one or more non-transitory
computer-readable storage media having computer-readable program code, or
instructions, embodied in or on the storage media. The term
"computer-readable medium" or "computer-readable storage medium" as used
herein includes not only a single medium or single type of medium, but
also a combination of one or more media and/or types of media. Such a
non-transitory computer-readable medium may store computer-readable
instructions (e.g., software) and/or computer-readable data (i.e.,
information that may or may not be executable). Any suitable computer
readable media may be utilized, including various types of tangible
and/or non-transitory computer readable storage media such as hard disks,
CD-ROMs, optical storage devices, magnetic storage devices, and/or any
combination thereof.

[0020] Aspects of the method steps disclosed herein may be executed on one
or more processors on a computing device 101. Such processors may execute
computer-executable instructions stored on non-transitory
computer-readable media. The disclosure may also be practiced in
distributed computing environments where tasks are performed by remote
processing devices that are linked through a communications network. In a
distributed computing environment, program modules may be located in both
local and remote computer storage media including memory storage devices.

[0021] FIG. 1 illustrates a block diagram of a generic computing device
101 (e.g., a computer server) that may be used according to an
illustrative embodiment of the disclosure. The computing device 101 may
have a processor 103 for controlling overall operation of the server and
its associated components, including RAM 105, ROM 107, input/output
module 109, and memory 115.

[0022] Input/Output (I/O) 109 may include a microphone, keypad, touch
screen, camera, and/or stylus through which a user of computing device
101 may provide input, and may also include one or more of a speaker for
providing audio output and a video display device for providing textual,
audiovisual and/or graphical output. Other I/O devices through which a
user and/or other device may provide input to device 101 also may be
included. Software may be stored within memory 115 and/or storage to
provide instructions to processor 103 for enabling computing device 101
to perform various functions. For example, memory 115 may store software
used by the computing device 101, such as an operating system 117,
application programs 119, and an associated database 121. Alternatively,
some or all of server 101 computer executable instructions may be
embodied in hardware or firmware (not shown). As described in detail
below, the database 121 may provide centralized storage of
characteristics associated with individuals, allowing interoperability
between different elements of the business residing at different physical
locations.

[0023] The computing device 101 may operate in a networked environment
supporting connections to one or more remote computers, such as terminals
141 and 151. The terminals 141 and 151 may be personal computers or
servers that include many or all of the elements described above relative
to the computing device 101. The network connections depicted in FIG. 1
include a local area network (LAN) 125 and a wide area network (WAN) 129,
but may also include other networks. When used in a LAN networking
environment, the computing device 101 is connected to the LAN 125 through
a network interface or adapter 123. When used in a WAN networking
environment, the computing device 101 may include a modem 127 or other
means for establishing communications over the WAN 129, such as the
Internet 131. It will be appreciated that the network connections shown
are illustrative and other means of establishing a communications link
between the computers may be used. The existence of any of various
well-known protocols such as TCP/IP, Ethernet, FTP, HTTP and the like is
presumed.

[0024] Computing device 101 and/or terminals 141 or 151 may also be mobile
terminals including various other components, such as a battery, speaker,
and antennas (not shown).

[0025] The disclosure is operational with numerous other general purpose
or special purpose computing system environments or configurations.
Examples of well known computing systems, environments, and/or
configurations that may be suitable for use with the disclosure include,
but are not limited to, personal computers, server computers, hand-held
or laptop devices, multiprocessor systems, microprocessor-based systems,
set top boxes, programmable consumer electronics, network PCs,
minicomputers, mainframe computers, distributed computing environments
that include any of the above systems or devices, and the like.

[0026] Referring to FIG. 2, an illustrative system 200 for implementing
methods according to the present disclosure is shown. As illustrated,
system 200 may include one or more workstations 201. Workstations 201 may
be local or remote, and are connected by one or more communications links
202 to computer network 203 that is linked via communications links 205
to server 204. In system 200, server 204 may be any suitable server,
processor, computer, or data processing device, or combination of the
same.

[0027] Computer network 203 may be any suitable computer network including
the Internet, an intranet, a wide-area network (WAN), a local-area
network (LAN), a wireless network, a digital subscriber line (DSL)
network, a frame relay network, an asynchronous transfer mode (ATM)
network, a virtual private network (VPN), or any combination of any of
the same. Communications links 202 and 205 may be any communications
links suitable for communicating between workstations 201 and server 204,
such as network links, dial-up links, wireless links, hard-wired links,
etc.

[0028] The steps that follow in the Figures may be implemented by one or
more of the components in FIGS. 1 and 2 and/or other components,
including other computing devices.

[0029] FIG. 3 shows a block diagram of a system for identifying and
utilizing customer behavioral characteristics in accordance with at least
one aspect of the present disclosure. The system 300 may include one or
more channels for customer input 301 (e.g. into an entitlement
provisioning backbone 351 as described more fully herein). In some
examples, the channels for customer input 301 may include one or more
methods of conducting transactions with an entity, such as a financial
institution. For instance, the channels for customer input 301 may
include automated teller machines (ATMs), on-line banking interfaces,
mobile banking interfaces, in-person banking (e.g., transactions via a
banking associate) and the like.

[0030] In addition to customer input into the entitlement provisioning
backbone 351, a product catalog 303 also may be provided. The product
catalog may include one or more products or services associated with the
financial institution. Product catalog 303 may be configured to include
products or services for a particular type of account, such as a checking
account, savings account, or mortgage loan account, and/or all products
or services offered. Still further, product catalog 303 may include data
in categories with subcategories. For example, a category may be a
checking account. In such an example, the subcategory may be, a debit
card associated with the checking account, an interest rate offering
associated with the checking account when a customer opens a savings
account, online banking parameters associated with the checking account,
etc. As such, product catalog 303 may include data for one or more
products and services of the financial entity, whether or not a customer
is enrolled in and/or utilizes each and every product and/or service. As
should be understood, product catalog 303 may be one or more different
databases and/or memories including data with respect to product
offerings of the financial entity.

[0031] In addition, customer data from one or more sources, such as data
source 305, may be connected to the entitlement provisioning backbone
351. The data source 305 may include customer data 315, such as customer
name or other identifier, personal identification number or other
authenticator, account information such as account number, etc. The data
source 305 may also include product and/or service data 325. The product
and/or service data 325 may include information related to one or more
customers and the products and/or services they subscribe to or use
within the financial institution. Some examples of products and/or
services may include types of accounts, online bill pay, automatic bill
pay, and the like. In some examples, the data source 305, and associated
customer data 315 and product/service data 325, may be specific to a
particular customer input channel. For instance, the data source 305 may
include data receive and stored from transactions occurring at ATMs,
online banking, etc. Additional information about various data sources
that may be used with the entitlement provisioning backbone 351 will be
described more fully below.

[0032] The entitlement provisioning backbone 351 may be used to identify
one or more customer behavioral characteristics and, in some instances,
identify products or services to offer a customer based on the identified
characteristics. The entitlement provisioning backbone 351 may receive
inputs from one or more of the various sources described above, such as
data sources, customer channel inputs, product catalog, etc. The
entitlement provisioning backbone 351 may include one or more rules
engine(s) 310. The rules engine 310 may include one or more rules defined
(such as by an administrator) to identify patterns in data received by
the entitlement provisioning backbone 351 in order to identify one or
more customer behavioral characteristics. For instance, the entitlement
provisioning backbone 351 may receive customer data from one or more
sources, such as data source 305. This data may include current access
parameters that may include data associated with a current or most recent
transaction, and also may include historical data, such a previous access
parameters. The previous access parameters may include transaction data
from a previous predetermined time period (e.g., 3 months, 6 months, 1
year, etc.), from a predetermined prior data range (e.g., mm/dd/yyyy to
mm/dd/yyyy), or from a previous predetermined number of transactions. The
rules engine 310 may identify one or more patterns in the current access
parameter and previous access parameters. Identification of patterns is
discussed more fully herein.

[0033] The entitlement provisioning backbone 351 may further include one
or more linking engine(s) 312. The linking engine may, in some examples,
link the received customer data from the one or more data sources, such
as data source 305, with the rules defined in the rules engine 310. This
linking may aid in identifying patterns in the current and previous
access parameters, and may aid in identifying one or more customer
behavioral characteristics. Still further, linking engine 312 may include
one or more algorithms for linking various types of access parameters
with other types of access parameters. For example, a time and a place of
an access to an account accessing device may be needed. Linking engine
312 may provide an indication for rules engine 310 to associate time of
an access with the place of the access. As part of the process for
determining one or more patterns, rules engine 310 may utilize linking
engine 312 for processing of data in order to identify one or more
customer behavioral characteristics.

[0034] The entitlement provisioning backbone 351 may also include an
output channel determination engine 314. The output channel determination
engine 314 may identify one or more channels on which to output
information to a customer. For instance, upon identification of a
customer behavioral characteristic, one or more content items may be
identified for the customer, as described herein. In some examples, the
content items may include an offer of one or more products or services
that may be of interest to the customer based on the identified customer
behavioral characteristic. Accordingly, this content item may be
presented to the customer on one or more channels, such as via ATM,
online banking, mobile banking, and the like, as determined by the output
channel determination engine 314. For example, is an example where a
customer utilizes an ATM, content for rendering to the customer may be
displayed on a monitor associated with the ATM. Output channel
determination engine 314 may determine that transmission of the content
for rendering should be to an ATM that the customer is currently utilize.
Alternatively, although the customer made utilizing an ATM for a
transaction, output channel determination engine 314 may determine that
transmission of content for the user is to be sent by way of a mobile
terminal interface transmission, such as a cellular network.

[0035] Entitlement/experience rules 361 may include data that is retrieved
and/or sent as needed throughout the system. Entitlement/experience rules
361 interacts with one or more of components output channel determination
engine 314, rules engine 310, linking engine 312, and/or other
components. Entitlement/experience rules 361 may be configured to include
one or more components with respect to customer data, interface data,
and/or third-party data. Output options 363 may provide a listing of all
possible manners for outputting content to a user. Output options 363 may
be utilized in conjunction with output channel determination engine 314
in order to allow output channel determination engine 314 to know the one
or more output options available to it for transmission of content to a
user. Output channel determination engine 314 may be configured to
utilize options available in output options 363 for determining what type
of channel content should be transmitted to the user.

[0036] Channel profile 365 may provide data with respect to one or more
channels for interfacing with a user. Channel profile 365 may be utilized
in conjunction with output options 363 and/or output channel
determination engine 314 in order to determine the appropriate channel
for output of content to a user. Channel profile 365 may include data
with respect to connection speed for a web based access interface
configuration, latency data with respect communication with an account
accessing device such as an ATM, and/or other data associated with the
channel, for example the geographic location of an account accessing
device, such as an ATM. Preferences 367 may provide data with respect to
one or more configuration preferences for output of content to a user.
Preferences 367 may include data with respect to preferences of a
financial entity providing content to the user. For example, with no
preferred manner for distribution of content to a user identified by the
user, preferences 367 may be utilized to determine that the financial
entity associated with the entitlement provisioning backbone 351 desires
to first transmit content via the same manner of channel that the
customer is utilizing currently. As such, if the customer is accessing an
ATM, preference 367 may be utilized to determine that the financial
entity would prefer content distributed to the same ATM. Preferences 367
may be utilized with one or more of channel profile 365, output options
363, and/or output channel determination engine 314. Preferences 367 may
include other preferences of the financial entity operating and
entitlement provisioning backbone 351. For example, preferences 367 may
include different preferences for different types of access. If a
customer is accessing a checking account, preferences 367 may indicate a
preference of the financial entity for output of content associated with
a new product in comparison to an old product offering. Any of a number
of different preferences of the financial entity may be included herein.

[0037] Customer profile grid 369 may provide data with respect to one or
more categories of customers. Customer profile grid 369 may include
generalization data with respect to categories of people that may be
utilized for determining output of content to a customer. This
generalization data may include information of a customer base associated
with a particular geographic region, such as an average financial income,
an average home mortgage balance, an average use of a particular ATM at a
particular location, and/or other general customer profile information.
Customer profile grid 369 may be utilized with one or more of channel
profile 365, output options 363, preferences 367, and/or output channel
determination engine 314.

[0038] FIG. 4 shows a block diagram of a system for acquiring and
maintaining data with respect to customers from a plurality of different
sources in accordance with at least one aspect of the present disclosure.
In some examples, an entitlement provisioning backbone (e.g., 351 in FIG.
3) may be connected to one or more data sources, such as data sources
411, 421, 431 and/or 441. The entitlement provisioning backbone 351 may
be connected to the one or more data sources 411, 421, 431, 441 via a
network, such as network 401. The network may be the Internet, an
intranet, or any other suitable network. Although four data sources 411,
421, 431, 441 are shown in FIG. 4, more or fewer data sources may be used
without departing from the present disclosure. Further, in some examples,
one or more data sources may be associated with or internal to an entity
using the entitlement provisioning backbone, such as a financial
institution, and may include data collected by or stored within the
financial institution. For instance, some example data sources may
include automated teller machines (ATM) and transaction/customer
information associated therewith, on-line banking customer and
transaction information, mobile banking customer and transaction
information, general customer information, in-person transaction
information, and the like. Additionally or alternatively, one or more
data sources may be external to the entity or financial institution. For
instance, one or more data sources may be general data for one or more
customers that may have been purchased or otherwise obtained by the
entity or financial institution, or it may be customer data associated
with another financial institution that has been obtained by the entity
or financial institution for use in identifying one or more customer
behavioral characteristics, as will be discussed more fully below. This
outside or external data may include information about customers such as
shopping habits, driving habits, eating habits, financial transactions at
other financial institutions, and the like.

[0039] In some examples, the one or more data sources may include various
modules associated with each data source. For instance, data source 1 411
may include a plurality of modules within the data source 411. The data
source 411 may include customer data 413, product or service data 415,
and/or operational formatting rules 419.

[0040] In one example, data source 1 411 may include data collected from
transactions conducted at one or more ATMs. Accordingly, as transactions
are conducted at ATMs customer information, as well as transaction
information may be stored. Customer data may be stored in customer data
module 413 and may include one or more access parameters such as:
customer name or other identifier, personal identification number,
address, and/or account history with the financial institution. Product
or service data associated with the customer and/or transactions may be
stored in product or service data module 415. This module may include
access parameters such as type of account, type of transaction, and the
like. In some examples, this data module may store one or more current
access parameters obtained from a current transaction (e.g., a
transaction being conducted by the customer at an ATM at the current
time) and also may store one or more previous access parameters that may
include historical information including transaction type, account type,
amount of transaction, etc. from previous transactions. The length of
time or number of historical transactions stored may vary and may be
predetermined, such as by an administrator. For instance, the product or
service module 415 may store historical information for the previous 100
transactions, 150 transactions, etc. and/or may store transactions from
the past 6 months, 1 year, 5 years, and the like. In some arrangements, a
portion of the data stored in data source 411 may be third party data or
other data not generally associated with the financial institution.

[0041] The data source 411 may also include operational formatting rules
module 419. The operational formatting rules module 419 may include
formatting rules for any data associated with data source 411. For
instance, the ATM data may be formatted to a generic format such that the
ATM data may be compiled with data from other data sources (e.g., data
source 2 421, data source 3 431, data source n 441, etc.) that may
include on-line banking data, mobile banking data, in-person banking
data, outside data, etc. Compilation and/or manipulation of the data
associated with the data sources 411, 421, 431, 441 will be discussed
more fully below.

[0042] As discussed above, a pattern may be identified between data
associated with a current access parameter, such as current transaction
data, current customer data, etc. and the historical data which may
include a plurality of previous access parameters. In some examples, this
pattern may be identified by the entitlement provisioning backbone 351.
In some examples, patterns may be identified between data stored at
multiple data sources, as will be discussed below.

[0043] Other data sources, such as data source 2 421, may include data
stored received and stored from another channel of performing
transactions. For instance, although data source 411 is discussed in the
context of ATM data, any data source indicated may receive and stored
data from the various channels of transactions, including at least ATMs,
on-line banking, mobile banking, in-person banking (e.g., via a banking
associate), and the like. Accordingly, in continuing the example above,
if data source 1 411 includes data from ATM transactions, data source 2
421 may include data from another channel, such as on-line banking
transactions. Accordingly, data source 421 may include customer data
module 423 which may include customer data related to on-line banking
transactions, including, for instance, customer name or identifier,
personal identification code or other authenticator, and the like.

[0044] Data source 421 may further include product or service data module
425. The product or service data module may include information regarding
products or services associated with the customer and various on-line
banking products or services. For instance, the module 425 may include
accounts associated with on-line banking, on-line services such as
bill-pay, electronic notifications, electronic statements, and the like.
Similar to data source 411, data source 421 may include operational
formatting rules module 429 which may include rules for formatting data
in order to compile the data with data from other sources (e.g., data
from ATMs, mobile banking, etc.).

[0045] FIG. 6 shows a flow chart of an illustrative method for determining
content to present to a user in accordance with at least one aspect of
the present disclosure. The process starts and at 601, the system may
determine one or more accounts of the user. The system may be the
entitlement provisioning backbone 351 as described herein with respect to
FIGS. 3 and 4. As described herein, a user may have any of a number of
different accounts associated with a financial entity. For example, a
user may have a checking account, savings account, a money market
account, a home equity loan account, and an investment account. Still
further, the user may have access to different accounts, even those
accounts in which she is not an owner. For example, the user may be a
trustee of an account. As such, the system may determine those accounts
in which the user is owner, is co-owner, is trustee, is guarantor, is
reviewer only, and/or has other access rights.

[0046] Proceeding to 603, the system may receive a user input of an access
to a first account of the user. The first account of the user would be
one of the determined accounts from 601. The first account would be an
account associated with the financial entity. The user input of the
access to the first account of the user may correspond to a selection by
the user for more information with respect to the first account. For
example, a user may enter via an ATM display screen a request to access
data with respect to her checking account, e.g., the first account of the
user. Any of a number of other manners for user input may be utilized
including verbal commands by the user, and entry of a request via the
keyboard, and entry of a request via a numeric pad on a mobile terminal,
and or other manners. In this example, the received user input may
originate from an account accessing device, such as an ATM.

[0047] From 603, any of a number of different data parameters associated
with the access by the user may be determined. In 605, the system may
determine a type of channel utilized between the user and the account
accessing device. Because a user may access her account by a number of
different channels, the system determines the type of channel being
utilized. For example, the channel may be a web browser associated with a
computing device. The user may have an online banking system and may
utilize a web browser for accessing her accounts. In still other
embodiments, the channel may be a mobile terminal. A user may access her
accounts by use of technology associated with her mobile terminal, for
example, text messaging, short messaging service (SMS), and/or multimedia
messaging service (MMS). It still other examples, a user may access her
account you channel that is an automated teller machine (ATM) or a kiosk.
In yet other examples, the user may utilize a channel for accessing her
account where the channel is a branch office of a financial entity, where
the user may speak with a representative of the financial entity. In
another embodiment, the user may speak with an individual and/or
automated voice interface system via a phone access number.

[0048] Still further, a type of channel utilized between the user and the
account accessing device may not be a specific interface. The determined
type of channel may include determining a connection speed for interface
between the user and the account accessing device. For example, in a
situation of a user utilizing a home computer, the connection speed
between the home computer and the online banking system of the financial
entity may be determined for the type of channel. Still other examples
include the type of channel determined as the type of browser being
utilized by the user, the version of the browser being utilized by the
user, the specific type of mobile terminal being utilized by the user,
and/or other data.

[0049] The determination of the type of channel utilized between the user
and the account accessing device may be repetitively performed for any
access by the user to the account via the account accessing device. As
such, for a plurality of accesses by a user to one or more of her
accounts, the system may determine a plurality of types of channels being
utilized. This data, as described herein, may be utilized to identify one
or more customer behavioral characteristics associated with one or more
accounts of the user with the financial entity.

[0050] In what may be implemented concurrently and/or simultaneously with
605, in 607, the system may determine one or more temporal parameters
associated with the first access of the first account of the user at the
account accessing device. Temporal data associated with access of an
account accessing device may be utilized by the system in a number of
manners. For example, such data may be utilized for recording the
specific instance for the transaction, such as withdrawal of monetary
funds from the account of the user. In keeping a record of the time and
date of the withdrawal, a user may review the record for personal
accounting purposes. However, other temporal parameters may be determined
by the system.

[0051] For example, the system may determine that this access by the user
is a very first access by the user at this account accessing device. In
such an example, the user may be a new customer to the financial entity
and may be accessing an ATM f of the entity or the very first time. In
still other examples, the determined at least one temporal parameter may
be a determination that the user is a returning customer with no known
relationship, e.g., a user has not logged into the system before. As
further examples, the determined least one temporal parameter may be a
determination that the user is a registered customer, e.g., a customer
with previously stored application and/or customer personalization data
included. In yet further examples, the determined at least one temporal
parameter may be a determination that the user is not a customer of the
financial entity at all, such as an example where the user has a debit
card associated with a first different financial entity but is utilizing
an ATM of the second financial entity.

[0052] Still other data may be utilized as the determined at least one
temporal parameter. The determination of the at least one temporal
parameter may be repetitively performed for any access by the user to the
account via the account accessing device. As such, for a plurality of
accesses by a user to one or more of her accounts, the system may
determine a plurality of temporal parameters. This data, as described
herein, may be utilized to identify one or more customer behavioral
characteristics associated with one or more accounts of the user with the
financial entity.

[0053] Proceeding to 609, the system may determine financial entity
services associated with at least one account of the user that the user
has enrolled in and/or utilizes. Step 609 may occur concurrently and/or
simultaneously with 605 and/or 607. In the example of a checking account
of the user, the user may have enrolled in and/or utilized a debit card
associated with the checking account. However, the user may not have
physical checks issued by the financial entity that is associated with
the checking account. In such an example, the user may have declined an
offer by the financial entity when initially opening the checking
account. As such, in this example, the identification of the debit card
may be a determined financial entity service associated with at least one
account of the user that the user has enrolled in and/or utilizes.

[0054] In determining these financial entity services, the system may
recognize that the user has a plurality of accounts associated with the
financial entity. For each of these respective accounts, the system may
determine one or more financial entity services associated with the
respective account that is utilized by the user and/or that the user has
enrolled in. As such, although a user may be accessing an ATM in order to
view details of her checking account, the system may determine one or
more financial entity services associated with a savings account of the
user that the user utilizes and/or is enrolled in. Additional determined
financial entity services may include a type of service offered, such as
a loan or line of credit, an investment account, insurance account,
and/or other type of account. Still other financial entity services may
include the ability to pay bills in an online environment, the ability to
make transactions in an online environment, the ability to review account
data utilizing text messaging technology, the ability to access a
financial adviser associated with investment account, and/or other
services.

[0055] The determination of the financial entity services associated with
at least one account of the user that the user utilizes and/or is
enrolled in may be repetitively performed for any access by the user to
an account via an account accessing device. As such, for a plurality of
accesses by a user to one or more of her accounts, the system may
determine a plurality of financial entity services. This data, as
described herein, may be utilized to identify one or more customer
behavioral characteristics associated with one or more accounts of the
user with the financial entity.

[0056] In 611, which also may be implemented concurrently and/or
simultaneously with one or more of 605, 607, and 609, the system may
determine a role of the user associated with the first account. For an
account of the financial entity, a user may have a number of different
roles associated with it. For example, the user may be the owner of the
account, whether sole owner or co-owner with one or more other people,
such as a spouse. In other examples, the user may be a trustee over an
account, or a guarantor on account, or a delicate on account. In still
other examples, a user may have the ability to view account information
such as transactions including deposits, but she does not have the
ability to take other actions with respect to the account. In further
examples, the user may be an authorized or sub user of the account. For
example, the user may be a minor who is a child of the account owner. The
account owner in such an example may have authorized the minor to have
access to the account, whether limited or unlimited. Knowing the role of
the user allows the system to know what offerings may be provided to the
user.

[0057] The determination of the role of the user with respect to the
account may be repetitively performed for any access by the user to an
account via an account accessing device. As such, for a plurality of
accesses by a user to one or more of her accounts, the system may
determine a plurality of roles of the user. This data, as described
herein, 80 utilized to identify one or more customer behavioral
characteristics associated with one or more accounts of the user with the
financial entity.

[0058] Moving to 613, which may be implemented concurrently and/or
simultaneously with one or more of 605, 607, 609, and/or 611, the system
may determine a location of the user in accessing the account. For
example, the system may determine the user location by a certain country,
a state/province, and/or a zip/postal code. Still further, the system may
determine the user location by other identifying data, such as a global
positioning system (GPS) determination and/or an Internet Protocol (IP)
address.

[0059] The determination of the user location may be repetitively
performed for any access by the user to an account via an account
accessing device. As such, for a plurality of accesses by a user to one
or more of her accounts, the system may determine a plurality of user
locations. This data, as described herein, may be utilized to identify
one or more customer behavioral characteristics associated with one or
more accounts of the user with the financial entity. For example, the
system may determine that the customer repeatedly utilizes a specific ATM
at a specific location, e.g., a specific address. This data, in
combination with other data such as temporal parameter data, e.g.,
similar times for access by date and time, may be utilized to identify
the customer behavioral characteristic, e.g., that the user accesses a
specific ATM at a specific location at substantially the same time every
other Friday.

[0060] Proceeding to 615, which may be implemented concurrently and/or
simultaneously with one or more of 605, 607, 609, 611, and/or 613, the
system may determine a location of the account accessing device. For
example, the system may determine the location of an ATM that the user is
using as part of the first access. The system may determine the account
accessing device location by a certain country, a state/province, and/or
a zip/postal code. By coupling the determined location of the account
accessing device data with the determined temporal parameters and or
determine user location, as described in more detail below, the system
may be configured to identify a customer behavioral characteristic for
use in presenting content to the user.

[0061] The determination of the account accessing device location may be
repetitively performed for any access by the user to an account via
account accessing device. As such, for a plurality of accesses by a user
to one or more for accounts, the system may determine a plurality of
account accessing device location. This data, as described herein, may be
utilized to identify one or more customer behavioral characteristics
associated with one or more accounts of the user with the financial
entity.

[0062] In 617, which again may be implemented concurrently and/or
simultaneously with one or more of 605, six of seven, 609, 611, 613,
and/or 615, the system may determine one or more current allowable
actions the user can make on the first account. For example, if the
account is a checking account, a current allowable action may be the
ability to transfer funds from and/or deposit funds into the first
account. Any of a number of different current allowable actions may be
associated with different accounts of the user. For example illustrative
current allowable actions may include the ability to view data associated
with the account, the ability to deposit funds into the account, the
ability to utilize a debit card against the account, the ability to open
the account, the ability to close the account, the ability to dispute a
transaction associated with the account, the ability to block access to
the account, the ability to transfer funds out of the account, and or
other actions. A user may have different current allowable actions for
different accounts. For example for a checking account, the user may have
current allowable actions to deposit funds into the account via check
and/or cash but not for direct deposit of monetary funds into the
checking account. Alternatively, for a savings account of the user, the
user may have current allowable actions to withdraw funds from the
savings account and receive direct deposit of monetary funds into the
checking account but not for transfer of funds from a different checking
account to the savings account. Any of a number of different allowable
actions may be associated with any of a number of different accounts of
user. As described in more detail herein, the role of the user for an
account may be utilized in determining the current allowable actions the
user may take with respect to the account. Additional current allowable
actions the user may take may include the ability to access a particular
account of the user.

[0063] The determination of the current allowable actions on the first
account by the user may be repetitively performed for any access by the
user to an account via an account accessing device. As such, for a
plurality of accesses by a user to one or more per counts, the system may
determine a plurality of current allowable actions. This data, as
described herein, may be utilized to identify one or more customer
behavioral characteristics associated with one or more actions of the
user with the financial entity.

[0064] In 619, which may be implemented concurrently and/or simultaneously
with one or more of 605, 607, 609, 611, 613, 615, and/or 617, the system
may determine one or more user customized interface parameters associated
with the first account accessing device. For example, the user with
respect to web browser access to an online banking application of the
financial entity may have configured a layout and format for the online
banking experience, such as a specific language for display to the user.
The user may have configured a theme for the experience, the format of
the user interface, whether for a web browser interface or an ATM
interface, whether alerts should be generated in response to certain
events, such as a low balance alert associated with an account, and
customer authorization preferences. Still other user customized interface
parameters may include customer context settings associated with an
account, such as a no SPAM rule, an indication of the local weather, a
listing of one or more sports scores, and/or other data.

[0065] The determination of the user customized interface parameters may
be repetitively performed for any access by the user to an account via an
account accessing device. For example, the user may have different
preferences for different types of interfaces. As such, for a plurality
of accesses by a user to one or more per counts, the system may determine
plurality of user customized interface parameters. This data, as
described herein, may be utilized to identify one or more customer
behavioral characteristics associated with one or more accounts of the
user with the financial entity.

[0066] With the determinations from one or more of 605, 607, 609 611, 613,
615, 617, and 619, 621, the system may receive a second user input
indicating an action by the user. The second user input at the account
processing device may indicate a first action of the determined current
allowable actions of the user at the account accessing device. As
described herein, any of a number of current allowable actions of the
user may be determined and may be implemented by user.

[0067] Proceeding to 623 in FIG. 6B, a determination may be made as to
whether criteria has been met for one or more determined variables to
identify one or more behavioral characteristics of user. If criteria has
been met the process proceeds to 625 else, the process for receipts back
to 603 for another access to an account by the user. Identification of
one or more behavioral characteristics of a user may occur in response to
a determination by the system that the user's accesses to her account(s)
through one or more account accessing devices meets one or more criteria.
For example, the system may determine that a user consistently deposits a
check by issuing entity at a specific time a specific place. In such an
example, the user may deposit a paycheck issued by a financial entity
associated with the employer of the user. The user may deposit her
paycheck every other Friday on a consistent basis. Such a consistent
occurrence maybe in response to the employer of the user issuing
paychecks every other Friday. Therefore, the system may identify a
behavioral characteristic user as the fact that the user consistently
deposits a paycheck a specific ATM at a consistent time of day every
other Friday. In 625, the system may identify the one or more behavioral
characteristics of the user. The identification of the one or more
behavioral characteristics of the user and 625 may be based upon one or
more of the determinations in 605, 607, 609, 611, 613, 615, 617, and/or
619.

[0068] In 627, the system may determine content for output to the user.
The content for output to the user may be upon another occurrence of the
user accessing the account accessing device. This determination of
content may be based upon the identified one or more behavioral
characteristics of the user. Content may be at least one offer for at
least one financial entity surface that the user does not use and/or is
not enrolled in. For example, if the user currently does not have a debit
card associated with a checking account of user, the content may be an
offer to have the financial entity issue a debit card associated with the
account for the user.

[0069] Proceeding to 629, the system may receive a third user input
indicating access to the first account. This third user input may
indicate a use of the account accessing device by user. As such, this
third input may constitute another occurrence of a user accessing the
account accessing device. In 631, the system may transmit the content to
the account accessing device for presentation to the user. For example,
if the account accessing device is a web browser interface, the system
may transmit content for an offer of the financial entity for a service
associated with an account of the user that the user does not currently
utilize. This content may be transmitted to the web browser of the user.

[0070] In 633, the system may receive a fourth user input indicating
access to the content. For example, in the previous example of a user
utilizing a web browser interface, the fourth user input may be the user
accessing a link within the content to create a debit card for
association with the account. In 635, the system may receive a fifth user
input indicating a user requests to use a product offered in the content.
The fifth user input may be a user request to include the offer for the
financial entity service not currently utilized by the user as one of the
financial entity services associated with the account of the user with at
least one current allowable action. As such, for a later occurrence of
the user accessing her account, the system may have previously determined
that the user did not have a debit card associated with the account
analogous. Therefore, any current allowable actions associated with a
debit card for the account may be determined in 617.

[0071] FIGS. 5A and 5B are illustrative views of a user interface
determining and presenting content to a user in accordance with at least
one aspect of the present disclosure. In FIG. 5A, user interface 501 may
be presented to a user while the user is accessing an account accessing
device. In this example the account accessing device may be an ATM. One
or more temporal parameters such as the date and time 511 may be
determined by the system. Still further a location of the first account
accessing device such as the location of the ATM 521 may be determined by
the system. Determined financial entity services associated with at least
one account of the user that the user uses and/or is enrolled in 531 may
be presented to the user. The at least one account of the user may be
Account No. 1 as identified by 537. Still further, determined current
allowable actions on Account No. 1 by the user may be presented to the
user as identified by 535. In this example, the user is attempting to
deposit monetary funds into her Account No. 1. Two have been determined
and are presented to the user as "Cash" or "Check." User interface 503 as
shown in FIG. 5B illustrates an example where the user has inputted
"Check" for a monetary deposit.

[0072] As shown in user interface 503, content 541 may be outputted to a
user. In this example, content 541 includes an offer to the user to set
up direct deposit of monetary funds into the Account No. 1 of the user
for future deposits. A link 545 may be included for the user to access to
initiate the process for adding such a service to her account. As such,
for another instance in which the user is accessing the ATM, dear user
may be able to perform other allowable actions in response to adding
direct deposits to her account.

[0073] FIG. 7 illustrates one example method of identifying a customer
behavioral characteristic according to at least one aspect of the present
disclosure. Identification of a customer behavioral characteristic may,
in some examples, be based data from one or more data sources. For
instance, identification of a customer behavioral characteristic may be
performed based on data from various sources internal to the financial
institution, such as ATM data, on-line banking data, etc., as well as one
or more external sources.

[0074] In step 702, first customer data for a first customer is received
from a first data source. The first customer data may, in some examples,
be received by a customer service system such as the systems described
herein. The first data source may, in some arrangements, be associated
with a financial institution. For instance, the first data source may
store data associated with the financial institution or transactions
associated with the financial institution. The first customer data may
include a first current access parameter. As discussed above, the current
access parameter may be data associated with a current transaction, such
as customer data or transaction information associated with an on-line
transaction being conducted, an ATM transaction being conducted, and the
like. The first current access parameter may be associated with an
account of the customer.

[0075] In step 704, first plurality of previous access parameters of the
account of the first customer is received. In some arrangements, step 704
may occur concurrently with, before or after step 702. As discussed
above, the plurality of previous access parameters may include historical
data associated with customers, transactions, etc. from the first source.

[0076] In step 706, a first pattern may be identified between the received
first current access parameter and the received first plurality of
previous access parameters. For instance, a pattern of behavior for the
first customer may be identified. Step 706 may occur after steps 704 and
702 or may occur concurrently with the later occurring of steps 702 or
704. In one example, the first source may be data received and stored
from on-line banking transactions. The current access parameter may be a
customer's use of on-line bill payment to pay a bill for a specified
amount on a certain day of the month. The received plurality of previous
access parameters may include payments for the same or substantially
similar amounts (e.g., within a predefined threshold limit) on the same
day of one or more previous months. Accordingly, a pattern of payment of
the specified amount on the same day of a month may be identified.

[0077] In step 708, second customer data for the first customer may be
received from a second source different from the first source. The second
customer data may include a second current access parameter of the
account of the first customer. That is, the second current access
parameter may be an access parameter of another transaction, such as an
ATM transaction. In some examples, the second source may be associated
with the financial institution and may, in some arrangements, be located
remotely from the first source. In continuing the above example, if the
first source includes data received and stored associated with on-line
banking transactions, the second source may be associated with data from
ATM transactions.

[0078] In step 710, a second plurality of previous access parameters may
be received. Step 710 may occur concurrently with, before or after step
708. As discussed above, the previous access parameters may include data
associated with the first customer and one or more historical
transactions.

[0079] In step 712, a second pattern may be identified between the second
current access parameter and the second plurality of previous access
parameters. Step 712 may occur after steps 708 and 710 or may occur
concurrently with the later occurring of steps 708 or 710. In continuing
the above example, the second current access parameter may include
deposit of a check for a specified amount at a particular ATM. The
plurality of previous access parameters may include deposit of a check
for the same or substantially similar amount (e.g., within a predefined
threshold) at the same ATM. Accordingly, a pattern may be identified that
a check of the specified amount is deposited in the same location ATM on
a recurring basis.

[0080] In step 714, the first identified pattern and second identified
pattern may be compiled. In some examples, the data may be formatting to
allow for such compilation. For instance, operating and formatting rules
modules (e.g., module 419 in data source 1 411) may format data from the
first source so that it can be combined with data from the second source
which may have been formatted by an operating and formatting module
(e.g., module 429 in FIG. 4).

[0081] In step 716, a customer behavioral characteristic may be identified
based on the compiled first identified pattern and second identified
pattern. To continue the example above, the recurring on-line payment
pattern and the recurring ATM deposit pattern may be combined to
determine a customer behavioral characteristic such as, the customer uses
on-line bill payment but does not automate payments, the customer does
not use direct deposit, etc. The customer behavioral characteristic may
then be used to, in some examples, identify products or services to offer
a customer, as discussed more fully herein.

[0082] FIG. 8 illustrates one example user interface for identifying one
or more sources of data for use in identifying a customer behavioral
characteristic, as described in FIG. 7. The user interface 800 may
include field 802 which may identify customers or a subset of customers
to which the behavioral characteristic identifier may be applied. For
instance, in some arrangements, all customers may be included in
identifying one or more customer behavioral characteristics, as shown in
field 802. Alternatively, a subset of customers may be identified, such
as customers having a relationship with the financial institution of a
predetermined minimum of time, customers meeting a threshold amount of
money in one or more accounts with the financial institution, etc. The
customer group may, in some examples, be selected from a drop-down menu
of choices. Additionally or alternatively, the desired customer group may
be typed into field 802 to make a selection.

[0083] User interface 800 may further include field 804 indicating a
number of sources to use in identifying a customer behavioral
characteristic. Any number of sources may be identified in field 804 and
again, as desired, a selection may be made from a drop-down menu, by
inserting the desired number of sources in field 804, or any other known
method of selection. In some arrangements, the number of sources
identified may include internal sources (e.g., sources associated with
the financial institution and/or supported by the financial institution)
as well as external sources (e.g., sources not associated with the
financial institution or supported by the financial institution).

[0084] Fields 806a-806c include identification of the desired sources for
collecting data to identify one or more customer behavioral
characteristics. As discussed above, the data sources may reflect various
channels of performing transactions with the financial institution, such
as ATMs, on-line banking, and the like. Selection of the sources may be
performed using drop-down menus or any other known methods of selection.
Although three source fields 806a-806c are shown in FIG. 8, more or fewer
source fields may be provided as desired.

[0085] Once the desired sources have been selected and/or identified, "ok"
option 808 may be selected. Selection of option 808 may process the
selections made in fields 802-806c. Alternatively, selection of "clear"
option 810 may clear all selections made in fields 802-806c. In some
examples, selection of "clear" option 810 may return fields 802-806c to a
default setting.

[0086] Aspects of the embodiments have been described in terms of
illustrative embodiments thereof. Numerous other embodiments,
modifications and variations within the scope and spirit of the appended
claims will occur to persons of ordinary skill in the art from a review
of this disclosure. For example, one of ordinary skill in the art will
appreciate that the steps illustrated in the illustrative figures may be
performed in other than the recited order, and that one or more steps
illustrated may be optional in accordance with aspects of the
embodiments.